The ability to issue an ATM card (debit card) for withdrawing the interest.

Al Baraka Islamic Credit card can be issued against the blocking of the customer's CD only for EGP.

Customer enjoying the said product is entitle to avail any type of morabhat against the blocking his CD.s as collateral provided that the amount of funding does not exceed 90% of his total amount of CD and must be in the same currency.

Specific Characteristics For Each Type Of Certificates :

LOCAL CURRENCY CERTIFICATES :

"Three –years" Certificates with a Monthly Return:

Issued in a denomination of EGP 5000, and the Multiples thereof.

The Term of the Certificate is three (Renewable) years.

Instant Certificates with “In-Advance Return”, and Prizes:

The denomination of this Certificate shall be EGP 1000, and the multiples thereof.

Its Term is three Years.

An annual return to be announced periodically, shall be paid in advance on account, and subject to final accounting adjustment of the return at the end of each Financial Year.

"Four-Years" Certificates with Quarterly Return:

Issued in a denomination of EGP 5000 and multiples thereof.

Its Term is Four Years.

A Quarterly returns shall be paid to the customer based on the announced rate for each quarter and thereon, the final Interest announced for the last quarter will be used to pay the interest due for that quarter, then same interest rate for the last quarter will be used to pay the entire interest due for the hole certificate tenor and adjustment will be done by crediting interest or debiting the client account with the previous interest offsetting the suspense acct used to book the reserves for the distribution purposes during the hole year using the sharie rules.

Al-Barka Bank” Five –year Golden Certificate” – the New Issue

Issued in a denomination of EGP 1000, and the multiples thereof.

Its Term is Five-Years.

An annual return (to be announced periodically) shall be paid yearly to the account, the final Interest announced for the last year will be used to pay the interest due for that year, then same interest rate for the last year will be used to pay the entire interest due for the hole certificate tenor and adjustment will be done by crediting interest or debiting the client account with the previous interest offsetting the suspense acct used to book the reserves for the distribution purposes during the hole year using the sharie rules.

The Seven-Year Certificate in EGP [Al-Mustaqbal = the Future]:

This Certificate is issued in a denomination of EGP 1000, and multiples thereof

Its Term is seven-years, starting from the month following that wherein if is issued.

The Return shall be paid to the Client at the end of the Period (Term) of the Certificate.

Al-Baraka Bank-Egypt, Multi-Benefits Certificates:

The Certificate shall be issued to Clients against foreign currencies surrendered at the Free-Market rates announced at the Bank at the date of such Surrender.

The Certificates shall be issued with a minimum limit of EGP 5000 per Certificate.

The Return shall be calculated as from the first day of the month following that of Purchase .

The Certificate-Holder shall have priority for the purchase of foreign currencies at the Exchange-Rates announced at the Bank at the time of such Purchase, within 25% of the Certificate Value and in accordance with the Foreign exchange Market conditions, and the Instructions issued in this respect.

Certificates shall not be renewed for further periods (Terms).

“Al-Ómra” Notes (Sekouk):

These Notes shall be issued only in EGP, at a denomination of EPG 100 and multiples thereof, with no maximum limit.

The Return on the Note shall be paid at the end of its period.

Al-Barka Islamic Notes (Sekouk):

The Term (period) of the Note is ten-years starting from the day following the day of purchase.

Its denomination is EGP 1000 and multiples thereof, without maximum limit.

The Return is to be calculated as from the day following that of purchase.

The Return shall be Islamic, with different periodicities (quarter/semi-annual/annual), and cumulative to the end of the Term (the period); final adjustment shall be made at the end of each financial Year.

In case the Return be payable cumulatively at the end of the Period (Term), the Note-Holder may receive 50% of the Return accumulated for him after the lapse of five (5) years from the Life of the Note.

Foreign Currency Certificates:

One-Year Dollar Certificates with Monthly Return and Prizes:

To be issued in the following denominations: US$ 500; US$ 1000; US$5,000; US$ 10,000; US$ 25,000 and US$ 50,000

The Term of the Certificate is one year.

A monthly return, to be announced periodically, shall be payable on account.

Al-Barka Bank-Egypt; three –Year Certificate in US Dollar:

The Certificate is issued in US dollar in denominations of US$ 100; US$ 500; US$ 1000; and the multiples thereof.

The Term (period) of the Certificate is three-years

The Return shall be paid every three months to account, and must be announced periodically.

Four-Year Dollar Certificate, with Preferential Return and Prizes:

This Certificate is to be issued in the following denominations: US$ 1000; US$ 5,000; US$ 10,000;…… ;and multiples thereof.

Term of the Certificates is four years

The Return shall be payable annually/ every two years/ cumulatively (at the end of the Period (Term) of the Certificate).

The US$ Five-Year Certificate:

Issued in a denomination of US$ 1000, and the multiples thereof.

Its Term (period) is five-years

The Return shall be payable: semi-annually, annually, or cumulatively – at the end of the Certificate Term.

Al-Baraka US$ Notes (Sekouk):

The denomination of this Note shall be US$ 1000 and multiples thereof, without a maximum limit.

The Term of the Note shall be two-years, starting from the day following the purchase day .

The Return is Islamic, with different periodicities of payment (quarterly, semi-annually, annually, or cumulatively) at the end of the Term of the Note. Final adjustment shall be made at the end of each Financial Year.

Al Baraka 5 Years USD Sukuk

It is an Islamic Sukuk developed to comply with the Islamic Shariaa rules for a period of 5 years in US Dollar based on the following terms and conditions:

The Sukuk is sold by the tranches of USD 1000/= and its multiplications.

The Sukuk period is for 5 years.

The Sukuk can be redeemed at any time after the date of purchasing.

Dividend will be paid either quarterly at 3.75% P.A. or at the end of the period at 4.50% calculated based on the Islamic methodology.

Annual awards as tickets to Omrah for those clients who Purchased Sukok for more than USD 5000 for a period more than 6 months based on the bank's regulations.

The Sukuk can be sold to individuals (Egyptians, other nationalities) and corporate institutions.

Dividends will be calculated starting from the next day of purchasing date.

The Sukuk is nominal and can't be endorsed or transferred to another person .

EURO Certificates with Return and Prizes:

To be issued in the following denominations: €500; €1000; €5,000; and €10,000